One of our favorite rewards – the money tree – returns in The Sims 4: Seasons. But now players must plant and grow the tree themselves (unlike in The Sims 2 where the tree itself was a reward).
So, how do you get the money tree in Sims 4? With the Seasons expansion installed, go to the aspiration rewards store and scroll down until you see the “money tree” reward. Purchase the seed for 5,000 satisfaction points, and then plant it.
The money tree takes five days to mature into a fully grown tree, and then the cash is all yours! It produces anywhere from 8,000 to 22,225 Simoleons per harvest, depending on quality (see harvesting section below).
Cheats to Get a Money Tree
If your Sim doesn’t have enough satisfaction points to purchase the money tree seed, cheat them the points using the following cheat:
- Press Ctrl + Shift +C at the same time on your keyboard to pull up the cheat console.
- Type “testingcheats on” without the quotes and press enter.
- Type “Sims.Give_Satisfaction_Points 5000” without the quotes to add the satisfaction points. (Make sure you have the correct Sim selected.)
Now, go back to the rewards store and purchase the money tree seed. Plant and nurture it for five days until harvest time!
How to Grow the Money Tree from Seed
Once you’ve purchased a money tree seed, plant it during any season to start it growing. The only time you can’t plant is when it’s too cold outside. Wait on the weather to warm up, then try again.
If your Sim has a high enough gardening skill, have them fertilize the tree with a high-strength fertilizer to increase the quality of the tree as much as possible.
Keep the money tree well watered and tended. It will sprout after 1 – 2 days, and in five days you’ll have a fully mature tree. In my opinion, gardening is super easy in The Sims 4 – so you shouldn’t have too much trouble.
If you look closely at the tree when it’s ready to harvest, you will see the little money fruits hiding in the branches. They look just like the seeds you purchase from the aspiration rewards store.
Harvesting a Money Tree
To harvest a mature tree, just click on it and choose “Sell All” or “Sell Money Fruit.” The tree technically creates five money “fruits” for the first harvest. But these are added to your household in the form of Simoleons, not an actual fruit you can replant.
The amount of money you get from a money tree depends on its quality. Here’s a chart to show you how much you’ll get for each harvest:
If you start with a normal money tree but increase its quality to nice, your next harvest will increase to $11,500. You can continue increasing quality – and the amount of money you get – throughout the life of the tree.
In a game with no mods, my money tree provided daily harvests – every morning at 6:00 AM – after the tree matured for the first time (five days after planting). Needless to say, my Sim became rich very quickly.
Grafting a Money Tree
If your Sim has a level 5 gardening skill, they can take a cutting from the money tree and graft it onto another tree. This will effectively give you two money trees without having to purchase another seed.
You can only graft onto mature plants, so make sure to grow some other plants in your garden at the same time you’re growing the money tree. This way, you’ll have something to graft onto when the money tree matures.
Grafting is a great way to increase profit. I sacrificed $1,600 per harvest (1 money fruit) to take a cutting. I received $4,800 per harvest (3 money fruits) from the spliced tree. And after two harvests, my original tree was back to producing five fruits.
In the end, you get your original tree producing five fruits PLUS a spliced tree producing three fruits. That’s a total of $12,800 per harvest from your original tree + spliced tree! (And even more if you have higher quality than normal.)
Copying a Money Tree with a Spell
I haven’t tried this one myself, but apparently a spellcaster Sim can use the “copypasto” spell on either a money tree or a money tree seed. If successful, it will produce a copy, giving you a second money tree for free.
Exploiting the Money Tree Glitch
There is currently a glitch in the game that can get you a ton of fast money – or slow money in the form of extra money tree seeds. Simply move a ready-to-be harvested money tree into your family inventory. It will immediately give you a stack of seeds.
You can sell the fruit for $8,000 each – or plant them to get more money over time. In my game, the glitch gave me a stack of 10 seeds worth $80,000! (When I placed the money tree back in the world, it was no longer in a harvestable state.)
This method feels extremely cheaty to me, but if you really need money fast, it works (as of October 2021).